I may have more strict requirements for my operations today but just means I need to look around more for a market that fits my current position. 

Richard - great position to be in!

Given the nature of small towns, we have personal relationships with multiple members of the board which we believe positions us well for success but of course there is still uncertainty.

We see people thinking they will make the quick buck.We also had a second position loan we foreclosed on and the buyer did not realize there was a first position loan - they called us wanting their money back.... 

I’m POSITIVE you aren’t saying they are reporting non-payment when you are paying.

We're still seeing positive cash flowing deals here and lots of potential for appreciation.

I have heard positive things - expect lower overall returns in exchange for them doing the work! 

Like contact cases, wrapped toothbrushes among other things.They do get used and I am sure they are appreciated.They might not state it in their 5 star review, but I am betting that it creates positive thoughts and that helps the reviews.

We pride ourselves in keeping the forums positive, helpful, and focused on real estate (please, no politics, religion, etc.).

@Kevin Akers,You’re in a great position to leverage your equity!